Credit Risk

It can be difficult to capture the attention of the 21st century consumer—the average American is exposed to 4,000 to 10,000 brand messages per day.¹ In an increasingly competitive marketplace, enterprises must cast their nets wide to expand their …

Cybersecurity attacks captured headlines last year as Bloomberg declared 2017 the ‘Year of the Data Breach,’ with a record-setting 1,253 publicly reported data breaches.¹ New malware, including ransomware threats, hit an all-time high.² Additionally, the number of identity fraud victims …

Credit unions have seen their operating costs rise dramatically since the 2008 financial crisis, due to the plethora of new regulatory and compliance changes that came in its aftermath. A report issued by the Credit Union National Association (CUNA) reveals …

Consumer credit behavior in the U.S. has evolved over the past decade, along with the data and scoring systems that represented that behavior. As a result, many consumers have a difficult time gaining access to affordable credit, or credit at …

In October 2016, ID Analytics announced the formation of the Online Lending Network (OLN), a consortium established to enhance responsible lending, help protect consumers and address credit and fraud risks.